Cheap 1993 Pontiac Trans Sport Insurance Rates

Did you make the mistake of buying an overpriced auto insurance policy? You’re preaching to the choir because many drivers feel the same as you.

Lots of insurers contend for your hard-earned dollar, and it can be difficult to compare rates and get the definite lowest cost out there.

You should make it a habit to get comparison quotes on a regular basis due to the fact that insurance rates are adjusted regularly by insurance companies. Despite the fact that you may have had the best premium rates for Trans Sport coverage six months ago you will most likely find a better price today. Forget all the misinformation about auto insurance because it’s time to teach you how to use the internet to remove unneeded coverages and save money.

Quote auto insurance online

All major auto insurance companies make it easy to get coverage prices from their websites. The process is quite simple as you just type in your coverage preferences into the quote form. After you complete the form, their system obtains information on your driving record and credit history and returns pricing information. This makes it easy to compare insurance prices but the process of having to visit each company’s website and repetitively type in your information gets old quite quickly. But it’s necessary to do this if you want to find the lowest auto insurance rates.

The preferred way to lower your auto insurance bill uses one form that obtains quotes from more than one company. The form is fast, eliminates form submissions, and makes online quotes a lot less work. Immediately after you send the form, it gets priced with multiple companies and you can pick your choice of the price quotes you receive.

If a lower price is quoted, you can simply submit the application and buy the new coverage. The whole process only takes a few minutes and you’ll know if lower rates are available.

If you want to compare rates using this form now, simply click here to open in new window and submit the form. If you have a policy now, it’s recommended you enter just like they are on your policy. This way, you will have an apples-to-apples comparison using the exact same coverages.

The Pontiac Trans Sport insurance price equation

Many things are used when you get your auto insurance bill. Some are pretty understandable like a motor vehicle report, but some are more transparent such as whether you are married or your financial responsibility.An important part of buying insurance is that you know some of the factors that help determine the rates you pay for insurance. When consumers understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that could help you find lower rates.

  • Commute or pleasure use – Driving more miles each year the more you’ll pay to insure your vehicle. Many insurance companies rate vehicles determined by how the vehicle is used. Vehicles left parked in the garage receive better premium rates than those used for commuting. Ask your agent if your declarations sheet correctly shows how each vehicle is driven. An improperly rated Trans Sport is throwing money out the window.
  • Poor driving habits leads to higher premiums – A bad driving record has a huge affect on how much you pay. Good drivers tend to pay less for car insurance than bad drivers. Having just one speeding ticket can boost insurance rates by twenty percent. Drivers who have gotten multiple citations such as reckless driving, hit and run or driving under the influence are required to maintain a SR-22 to the state department of motor vehicles in order to continue driving.
  • Drivers with good credit save on insurance – Your credit score can be an important factor in your rate calculation. So if your credit rating can use some improvement, you could potentially save money when insuring your 1993 Pontiac Trans Sport by taking the time to improve your credit score. Insureds that have excellent credit tend to be better risks to insure than those with poor credit.
  • High deductibles lower costs – Your deductibles are the amount of money you are required to spend if you file a covered claim. Insurance for physical damage to your car, aka comp and collision, protects your car from damage. A few examples of covered claims are rearending another vehicle, vandalism, and damage caused by road hazards. The more of the claim you choose to pay out-of-pocket, the less your company will charge you for insurance for Trans Sport coverage.
  • Five star NHTSA crash test rating saves money – Vehicles with high crash test scores can get you lower premiums. The safest vehicles reduce the chance of injuries and fewer serious injuries translates into savings for insurance companies which can result in lower premiums. If your Pontiac has ratings of a minimum four stars on Safercar.gov it may be receiving lower rates.

Don’t overlook these car insurance discounts

Some providers don’t necessarily list the complete list of policy discounts in an easy-to-find place, so the list below gives a summary of both well-publicized as well as some of the hidden ways to save on car insurance.

  • Service Members Pay Less – Being on active deployment in the military may qualify for rate reductions.
  • Telematics Data – People who choose to allow driving data collection to study driving manner remotely such as State Farm’s In-Drive might get better premium rates if their driving habits are good.
  • Anti-theft Discount – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and that can save you a little bit as well.
  • Drive Less and Save – Driving less may allow you to get better premium rates on cars that stay parked.
  • Driver’s Education for Students – Teen drivers should enroll and complete driver’s education in school or through a local driver safety program.

A little disclaimer on discounts, most discounts do not apply to the overall cost of the policy. Most cut the cost of specific coverages such as collision or personal injury protection. Even though the math looks like having all the discounts means you get insurance for free, that’s just not realistic.

The best car insurance companies and the discounts they provide include:

  • Farmers Insurance discounts include mature driver, youthful driver, good student, distant student, and business and professional.
  • State Farm offers premium reductions for Drive Safe & Save, driver’s education, student away at school, multiple policy, safe vehicle, and good driver.
  • Liberty Mutual may include discounts for good student, newly married, multi-car, new move discount, preferred payment discount, and exclusive group savings.
  • MetLife may have discounts that include defensive driver, good driver, claim-free, accident-free, good student, and multi-policy.
  • Progressive has savings for good student, online signing, multi-vehicle, homeowner, and continuous coverage.

When quoting, ask every insurance company what discounts are available to you. Some discounts might not be offered on policies in your area. To view car insurance companies with significant discounts, click here.

When to get professional advice

When choosing the best auto insurance coverage, there is no best way to insure your cars. Each situation is unique so this has to be addressed. Here are some questions about coverages that may help you determine if your situation could use an agent’s help.

  • I have health insurance so do I need medical payments coverage?
  • Where can I get insurance after a DUI in my state?
  • Who is covered when they drive my 1993 Pontiac Trans Sport?
  • Does my car insurance cover rental cars?
  • If my 1993 Pontiac Trans Sport is totaled, can I afford another vehicle?
  • Is other people’s property covered if stolen from my vehicle?
  • When should I buy a commercial auto policy?
  • Is my teen driver covered when they drive my company car?
  • Should I carry comprehensive and collision coverage?
  • How can I get high-risk coverage after a DUI?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Parts of your auto insurance policy

Having a good grasp of auto insurance aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and reading a policy is terribly boring. Below you’ll find the usual coverages available from auto insurance companies.

Collision insurance

Collision coverage will pay to fix damage to your Trans Sport resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things such as colliding with a tree, hitting a parking meter, crashing into a building, sustaining damage from a pot hole and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Auto liability

This coverage will cover injuries or damage you cause to other’s property or people. This insurance protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims like repair costs for stationary objects, repair bills for other people’s vehicles, medical expenses and loss of income. How much liability should you purchase? That is a personal decision, but you should buy as much as you can afford.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Pontiac Trans Sport.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Normally the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive coverage

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as fire damage, hail damage, a broken windshield, damage from flooding and vandalism. The most your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for bills like hospital visits, EMT expenses, doctor visits and pain medications. They are used in conjunction with a health insurance program or if you lack health insurance entirely. It covers all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

A penny saved is a penny earned

While you’re price shopping online, it’s a bad idea to buy less coverage just to save a little money. There have been many situations where someone sacrificed comprehensive coverage or liability limits and found out when filing a claim that they should have had better coverage. The aim is to get the best coverage possible for the lowest cost but still have enough coverage for asset protection.

Lower-priced insurance is available both online in addition to many insurance agents, and you need to price shop both to have the best rate selection. Some insurance companies don’t offer online quoting and most of the time these smaller providers work with independent insurance agencies.

Even more information is located at these sites: